MetLife | Pet Insurance Review

3.9

out of 5

Number of reviews 729

As one of Fortune magazine’s 2022 “World’s most admired companies,” MetLife is proud to have helped people protect what matters to them for 100+ years. MetLife Pet Insurance continues that tradition with a dedicated team of pet advocates who have been passionately serving pet parents for over 15 years. MetLife Pet Insurance offers pet parents an exceptional product from a best-in-class insurer at an affordable price — focused on flexible product offerings, competitive rates, and innovative policy benefits.
1

out of 5

POSTED: | BY: Anna Nyrova

I have pet insurance

I have pet insurance. They deduct $250 per year for maintenance. And they are supposed to return 80%. In the end, they only returned $500 out of $1,600. They don't answer in the chat, the phone number doesn't work. They took $250 twice. And the rest of the amount was calculated in an unclear way. Out of a claim of $450, they returned $7!
1

out of 5

POSTED: | BY: Bella

please stay away if you love your pet

please stay away if you love your pet, they will endlessly ask for records that does not exists from years ago and deny claims in every way they can, and automatically deny claims for pre-existing condition, plus they will bombard your vet with numerous records request that is totally unnecessary, even if my vet had sent the records like on 5 different occassions.
5

out of 5

POSTED: | BY: Kim P

Fabulous

Easy to submit and great communication during claims. They were so kind. Our guy ended up passing away with bone cancer and they were so compassionate. Quick response and payout for all claims. No hassle, great service. We have had 3 policies and no compalints only excellent service.
1

out of 5

POSTED: | BY: MAURIZIO BENABDALLAH

Confusing reply and the further instruction after i contacted Metlife.

I received this generic reply from Metlife 'Hello, Maurizio. We are sorry to hear of your frustrations regarding your experience with MetLife Pet Insurance. We would like to speak with you further regarding your experience. Please email us directly, with your contact information, at ..... and a team member will reach out to you directly. Thank you.' When I contacted Metlife they gave me an email to the CEO. I can't believe this a joke over $12?
1

out of 5

POSTED: | BY: Jessica Walker

Disappointing Experience with Metlife

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too. It’s incredibly frustrating to have to jump through so many hoops when there’s no diagnosis or prior condition. We even submitted records that showed Emmie has a clean and shiny coat, and nothing was ever diagnosed. I’m now working on my second appeal, but I shouldn’t have to do this. It feels like they are looking for any reason to deny claims, and it’s making me seriously consider canceling the policy. I should be able to trust that the insurance I’m paying for will be there when I need it, but that has not been the case. I do not recommend this insurance company based on my experience.

Monthly Cost

The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.

Coverage

Reimbursement for up to 90% of vet costs.

Payout Limits

Deductible

Customizable deductibles from $50-$500

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

Accident – policy effective date (1 day waiting period); Illness – 14 days

Exclusions

Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!

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